Investor Presentaiton

Government Support for MSMEs During the Covid-19 Pandemic BHINNEKA In the form of relaxation of asset quality assessments, postponement of principal & interest subsidies, low-interest working capital loans guaranteed by Askrindo and Jamkrindo, tax incentives for MSMEs borne by the government, and Productive Presidential Assistance for Micro Enterprises MSMES CREDIT RESTRUCTURING ASSET QUALITY 1 ASSESSMENT According to POJK No. WORKING CAPITAL CREDIT 2 POSTPONEMENT OF PRINCIPAL & INTEREST SUBSIDIES 3 LOW INTEREST Placement of Rp30 Trillion Government Funds at Bank Himbara Asset 11/POJK.03/2020 & 14/POJK.05/2020 Arrangement: Quality the Loans IDR 10 billion can be based only on accuracy of principal interest payments Restructurisation: is The credit quality for affected debtors determined to be current since restructuring The restructuring is carried out without a ceiling limit / type of financing KUR Super Mikro : Loan up to IDR 10 million Interest subsidy will be 19%, debtors pays 0% interest from Aug - Dec 2020. • KUR MKM (SMEs): Loan up to Rp10 million up to IDR 500 million Postponement of installments and a 6% interest subsidy for the period from Apr-Dec 2020 to 0%. • • Loan Rp500 million up to IDR 10 billion Postponement of installments and interest subsidies from 3% to 3% for the period Apr-Jun 2020 and interest subsidies from 2% to 4% for the period Jul-Sep 2020. UMI, Mekaar, Pegadaian (Pawnshop) • • 4 5 Postponement of principal installments and interest subsidies for 6 months from Apr-Sep 2020 Fintech Loan, Co-op, Farmers, LPDB, LPMUKP, UMKM PEMDA 6 GUARANTEE Government support in the form of guarantees by Askrindo and Jamkrindo OTHER SUPPORT Income Tax for MSMEs is borne by Government MSMEs receive a final PPh rate of 0.5% (PP 23/2018) borne by the government (DTP). Relaxation is given a 6% interest subsidy for 6 months MICRO BUSINESS PRODUCTIVE PRESIDENT ASSISTANCE Direct assistance to 12 million Micro-Business Actors in the amount of IDR 2.4 million per recipient Source: Coordinating Ministry for Economic Affairs 19

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